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dankusner · 4 months

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4.02. WITHDRAWAL OF COUNSEL ... files

No attorney of record shall be permitted to withdraw from any case without presenting a motion and obtaining from the Court an order granting leave to withdraw. When withdrawal is made at the request of or on agreement of client such motion shall be accompanied by the client's written consent to such withdrawal or

a certificate by another lawyer that he has been employed to represent the client in the case.

In the event the client has not consented, a copy of such motion shall be mailed by certified and regular first class mail to the client at his last known address, with a letter advising that the motion will be presented to the Court on or after a certain hour not less than ten days after mailing the letter, and that any objection to such withdrawal should be made to the Court in writing before such time.

A copy of such letter shall be attached to the motion.

A copy of the motion shall be served upon all counsel of record.

Unless allowed in the discretion of the Court, no such motion shall be presented within 30 days of the trial date or at such time as to require delay of the trial.

After leave is granted, the withdrawing attorney shall send the client a letter by regular mail with a copy of the order of the withdrawal, stating any settings for trial or other hearings and any pending discovery deadlines, and advising him to secure other counsel, and shall forward a copy of such letter to all counsel of record and to the Clerk of the Court in which the case is pending.

The requirements of this Local Rule are supplemental to, and not in place of, the requirements of TRCP Rule 10.

Completion of discovery, presentation of pretrial motions and other matters relating to preparation for trial are governed by the Local Rules of Civil Courts of Dallas County available from the County Clerk’s office and at http://www.dallascounty.org/department/ districtclerk/guidelines.html

Local Rules Civil Courts

AMAR’S "dead..."

Negligence: Adverse Judgment-Evidentiary Rulings-Spoliation Instruction

Plaintiff appealed the adverse judgment entered in her pro se negligence action.

Where there were no errors in the district court’s evidentiary rulings or the denial of her motion for contempt and a spoliation instruction, the court affirmed the judgment.

Judgment is affirmed.

Smith v. Menard, Inc. (MLW No. 81554/Case No. 23-2657 – 2 pages) (U.S. Court of Appeals, 8th Circuit, per curiam) Appealed from U.S. District Court, Southern District of Iowa, Jackson, J.

Amar Nath Obituary

Published by Legacy on Nov. 20, 2021.

Amar Nath's passing has been publicly announced by LeRoy P. Wooster in Atco, NJ.

Legacy invites you to offer condolences and share memories of Amar in the Guest Book below.

The most recent obituary and service information is available at the LeRoy P. Wooster website.

Insurance company claims 'elaborate scheme' to fake Jacksonville man's death in Venezuela

An insurance company fighting the son of a Jacksonville businessman reported dead in Venezuela told a federal judge it uncovered "an orchestrated, elaborate scheme to fake … [a] death and commit insurance fraud."

Jose Lantigua, who owned two Circle K Furniture stores, "fabricated a story of his death complete with bribes, collusive statements and forged documents," a lawyer for American General Life Insurance argued last week.

Attorney Gary Guzzi asked U.S. District Judge Timothy Corrigan to dismiss a claim by Lantigua's son, Joseph, that the insurance company had been wrong to not pay on a $2 million policy his father held.

Guzzi asked the court to make the younger Lantigua and his attorney pay American General's costs from the lawsuit as a court-imposed sanction, saying arguments that the businessman was dead were "factually baseless."

But the family's lawyer said there's no reason he or his clients should face financial penalties.

"We've reviewed it and I'm surprised that these respectable firms have filed these [claims] against us," said attorney Joshua Woolsey, who said he has talked to Lantigua's son, wife, ex-business partners, accountant and others while piecing together details about the businessman's last months.

"We are aware of no credible evidence that Jose Lantigua is alive," Woolsey said.

Lantigua, a Cuban-born former finance executive, flew to Caracas, Venezuela, around March 2013 and was reported dead from a heart attack the next month. His body was reported cremated, and the U.S. embassy in Caracas recorded him as dead.

But Guzzi's request for sanctions included depositions it said were provided by a doctor, a funeral home operator and a crematory operator who had signed records of the death and cremation without ever seeing a body.

"News of Lantigua's death has been greatly exaggerated," Guzzi wrote, saying death records "were brazenly procured by fraud."

Guzzi did not respond Friday to messages left by phone and email. An employee in his Miami law firm said it's against American General's policies to talk to reporters about an ongoing case.

This is only the latest time fraud has been claimed by someone in a court fight over Lantigua's death.

In February, Woolsey argued in state court - which was hearing a case about another company's $2 million insurance policy - that paperwork filed as evidence Venezuela had voided the death certificate was actually forged.

The judge in that case concluded in May that those papers really were forged, but couldn't tell who did it.

Woolsey said depositions had shown that the same people contracted by one investigation company were involved in collecting evidence for both cases. He said he thought the earlier forgery left those investigators with no credibility. He said his firm is still working on a response to present to Corrigan later in the month.

Playing dead:

Cashing in on insurance fraud

Faking death to escape debt or collect insurance might seem extreme, but how easy is it to do?

Successfully falsifying a death means someone isn't caught, so it's hard to know how many people succeed at perpetrating this type of fraud.

Mark Twain said, "The reports of my death are greatly exaggerated," when a newspaper mistakenly published his obituary.

While death is a serious subject, some may view it as a creative solution to escape their problems.

When the economy is lagging and unemployment is on the rise, it’s not unusual for people to fall behind on mortgages, rent, car payments and other debts. The pressure can lead individuals to find new ways to pay for these responsibilities, which can result in some sort of insurance fraud.

Faking their death or disappearing is one option.

Fraud expert Michael Skiba finds that not everyone is predisposed to be dishonest; however, some will use a situation to their advantage should it arise.

Thirty percent of the people are honest, 30% are dishonest, and 40% are situationally honest or dishonest.

That means that 70% of the people could commit fraud if given the opportunity

“It’s a matter of ethics and honesty,” he shares. “Thirty percent of the people are honest, 30% are dishonest, and 40% are situationally honest or dishonest. That means that 70% of the people could commit fraud if given the opportunity.” The takeaway: Many insurance fraudsters are situational criminals, not professionals, and can be effectively deterred by tough compliance measures. 2. The total cost of insurance fraud in the U.S. (excluding health insurance) is estimated to be more than $40 billion per year, costing the average U.S. family between $400 and $700 annually in the form of increased premiums. (Source: FBI) The takeaway: Insurance fraud doesn’t just cost insurance companies in terms of hefty penalties. It also costs innocent policyholders and may make some policies prohibitively expensive. 3.

Patricia L. Harman is the editor-in-chief of Claims magazine, a contributing editor to PropertyCasualty360.com, and chairs the annual America's Claims Event (ACE), which focuses on providing claims professionals with cutting-edge education and networking opportunities.

She covers auto, property & casualty, workers' compensation, fraud, risk and cybersecurity, and is a frequent speaker at insurance industry events.

You know that sense of disconnection you felt during the pandemic?

That was gold for fraudsters.

That is because that distance between you and your employer, financial institution, insurer or just about anything else is a fraudster’s sweet spot.

And that zone expanded dramatically during the pandemic lockdown, said Michael Skiba, a security consultant who has worked with the United Nations and federal agencies, also known as Dr. Fraud.

“I have operated in the fraud industry for 28 years,” Skiba said at a session for the National Association of Insurance Commissioners’ 2022 Insurance Summit. “I have never seen such a change in the world I operate in.”

Insurance companies and banks that were slow to change over previous decades had to adjust rapidly to a no-contact world where verification was more difficult just as consumers expected more convenience.

But Skiba said convenience has an inverse relationship to security – when one goes up the other goes down.

A key component might be in your hand right now.

The number of connected devices –phones, laptops, watches, just about anything in your house – has exploded over a few years.

In 2018, there were 15 billion connected devices in the world – by 2020 there were 50 billion.

The number of connected devices exploded in 2020.

As companies chased after consumers, they outpaced regulators’ ability to catch up.

Phones make it tougher to determine who an email is from at a glance, where the reader might not pick up a misspelling in the supervisor’s title when that would have jumped up at the reader on a laptop.

That makes it easier for “spear-phishing,” when a fraudster uses the guise of a trusted sender to hook prey by email.

Successful spear-phishing campaigns average a loss of $1.6 million per company.

About 85% of individuals have been hit by a phishing attempt at least once.

Skiba pointed out that as people attended his session in the Kansas City meeting room, data was swirling around them, even if they weren’t using their phone.

“When there is that much data,” Skiba said, “each piece is an opportunity for fraud.”

The cyber world makes it difficult for companies to know their customer.

Companies could be the victim of ghost fraud, which is someone taking the identity of a dead person, or synthetic fraud, when someone creates a person out of thin air.

Gone are the days when a bank required meeting the customer on the other side of a desk.

Those days are not coming back.

As an example, Skiba pointed out that most of us got used to ordering food on an app.

It was difficult at first, but even his mother got the hang of it – “she even Venmos!”

That is the new baseline.

So what can companies do about it?

Not by outrunning the bear.

Skiba recounted a story about visiting Vlad the Impaler’s castle.

But the path to the castle was roped off with police tape because a bear mauled a visitor the day before.

A woman at the foot of the path said Skiba’s group could take the path but would not need to outrun the bear, but just be faster than the next guy.

Old joke, yes, but his point is that fraudsters are looking for the laggards, the easy marks.

Make it just a little bit difficult and they will move onto the easier prey.

“I've never seen a case where the fraudster decided to pass the slow runners and go for the track star,” Skiba said, adding that there are simple ways for companies to harden themselves.

“We've seen so many so many cases where just putting up a little bit of prevention, a little bit of pushback in different areas, whether it could be asking them to fill out a form, asking them to hop on a call, asking them to maybe fill out a couple more documents, no matter what it is, if you make it a little more difficult, they will go elsewhere.”

One other suggestion was creating a connection even in the digital world.

When individuals deal with faceless companies, it is easier to justify cheating the corporate monoliths.

But Skiba said he remembers his local insurance agent when he was growing up, Andy Martin, Little League coach and regular guy around town. Skiba didn’t even know what his insurance company was – it was Andy.

“I wouldn't even think about defrauding Andy Martin.

It would never crossed my mind, even if the opportunity presented itself.

I knew Andy Martin, he was personal to me,” Skiba said. “What you're seeing now is there are no more Andy Martins, right? It's all online.”

Skiba said the key is to create a face, a personality that consumers can relate to. At least create a persona that can outrun the competition when the bear is on the hunt.

youtube

A defendant company’s safety protocol often plays a key role in commercial vehicle collision cases.

And at trial over the death of an 11-year-old girl struck by a garbage truck, Sean Claggett’s closing vividly highlighted a sanitation company’s safety materials and training protocol in arguing the company and its driver were responsible, setting up a blockbuster $38M+ verdict.

2nd transcript nath benson kusner cc-

Cordial Conversations

Conferring with opposing counsel for better motion practice.

The certificate of conference has been an established part of Texas motion practice for some time, but its potential for streamlining and promoting the informal resolution of disputes has yet to be fully realized.

Many lawyers view the certificate as a mere pro forma requirement, one to be addressed with minimum effort in the hours (or perhaps minutes) after their motions are drafted while they wait to hear back from the court on the availability of hearing dates.

This approach has fueled irritation on the part of trial court judges and litigators for decades,1 but sustained criticism has done little to discourage the practice. Setting aside the waste of time and resources on unnecessary motions and hearings, such deficient efforts to confer also mean these lawyers miss opportunities to craft the most persuasive arguments possible on behalf of their clients.

Background and Purpose

Certificates of conference have long been a component of federal practice, starting out as a requirement for discovery motions that subsequently was expanded by each district’s local rules to apply to non-dispositive motions generally.

2 In 1999, the certificate of conference was added to state-court motion practice by Texas Rule of Civil Procedure 191.2, which requires that all discovery motions and requests for hearings include a certificate of conference stating a “reasonable effort” was made to resolve the matter with opposing counsel before seeking the trial court’s assistance.

Local rules and court procedures in many parts of the state now impose the requirement on motions generally, with specific carve-outs for summary judgments and other dispositive motions.

3 Regardless of whether the certificate of conference is required under state or local rules, the fundamental purpose of the certificate “is to ensure that parties cooperate … and make reasonable efforts to resolve … disputes without the necessity of court intervention.” See Union Carbide Corp. v. Martin, 349 S.W.3d 137, 146 (Tex. App.—Dallas 2011, no pet.) (analyzing the conference requirement under Tex. Civ. P. 191.2 and Dallas (Tex.) Civ. Dist. Ct. Loc. R. 2.07).4

Practical Consequences for Evading the Intent of the Rules

Even though the purpose behind the certificate of conference requirement is abundantly clear, some lawyers still communicate with opposing counsel in a manner that makes it less likely any meaningful dialogue will take place.

5 An overly aggressive, insulting, or openly hostile approach is fairly common among lawyers who wish to avoid appearing weak at all costs.

These lawyers often treat the conference as a zero-sum game with no room for compromise, to be “won” at all costs even when such a win comes at the expense of diminished credibility or damage to the client’s case in the long run.6

At the opposite extreme, some lawyers avoid engaging opposing counsel to the greatest extent possible, preferring to state their position, demands, and deadline for compliance in an all-or-nothing, “take it or leave it” manner.

This approach is typically motivated by concern that opposing counsel will abuse the conferral process by dragging out discussions indefinitely with no intent to ever reach agreement.

7 Such “death by conferral” tactics are deeply frustrating, and even the most professional lawyers may find themselves tempted to cut discussion short in the face of mounting evidence that no amount of dialogue will ever end in agreement.

Even though the desire to put a stop to such tactics may be overwhelming, racing to the courthouse without first engaging in substantial discussion is rarely justifiable as it presents an opportunity to shift the court’s attention away from the merits with (often indignant) protests that counsel failed to adequately confer.8

In the end, minimal or disingenuous attempts to confer are a poor strategic choice regardless of justification.

Trial courts struggle to allocate time to legitimate disputes, and so judges are rarely forgiving when no sustained effort to work things out is made before filing a motion.

9 Frequently the court will refuse to rule on such a motion until after the parties make a serious effort to resolve the matter among themselves,10 and there is good reason for the moving party to be pessimistic if no agreement is reached.

The relief ultimately granted is likely to be shaped to some extent by counsel’s lack of professionalism, disregard of the rules, and casual attitude toward wasting the court’s time.11

Guidelines for Conferring More Effectively

To avoid this sort of self-sabotage, a better approach is to confer with opposing counsel in a detailed and well-documented manner that addresses each of the issues to be raised in your motion.12

This investment of time and effort on the front end allows you to rapidly narrow down the issues to those where there is genuine disagreement, in turn providing both the framework for your motion and, perhaps more importantly, an effective road map of the arguments you can anticipate from opposing counsel.13

The systematic approach to discussion is a particularly effective method for dealing with evasive tactics, as it forces opposing counsel to either take a definitive position or come across as deliberately slippery, thus sacrificing a measure of credibility in the eyes of the court.

Investing the necessary time and effort to carefully document these discussions provides a clear and persuasive record establishing your efforts to resolve the dispute amicably,14 thus making it all the more likely that the court will ultimately grant your requested relief.

The following guidelines for conferring effectively with opposing counsel have proven invaluable in my own practice.

While they require substantial time and effort on the front end, I find that this approach streamlines the overall process of conferring:

Confine your conference with opposing counsel to a single email chain, making it easier to track the specific issues discussed.

If there are multiple issues in play, consider breaking the discussion down into numbered paragraphs in your email to maintain a structured conversation that can be readily followed, both by counsel and the trial court. This makes it much easier to manage, as a series of separately threaded issues, while documenting the discussion in a way that promotes ease of reference. Separate threads make it simple to address issues raised by opposing counsel while maintaining the overall structure of the conversation.

(2) Defuse opposing counsel’s efforts to derail the conversation with unrelated discussions, irrelevant matters, and posturing by (politely) insisting that he or she confine the discussion to the matters you have listed in your initial email. Many lawyers will throw in non-sequiturs and argumentative statements in an effort to muddy the waters of your discussion, usually shifting to a more professional tone only after they determine you will not be distracted by such tactics.

(3) If your preference is to speak over the phone, you should still send a detailed message outlining the issues and your position before making a phone call. This helps focus the discussion quickly, and goes a long way toward preventing early misunderstandings regarding the issues and the parties’ respective positions. See id. (stating that in the context of discovery motions, detailed correspondence keeps the parties organized and focused during subsequent discussion).

(4) If the parties are unable to reach agreement, be sure to attach a copy of the entire email chain to your motion, explicitly directing the court’s attention to this exhibit both in your certificate of conference and early on in the motion itself. This will encourage the trial court to familiarize itself with the issues by referring to the dialogue between counsel and strongly discourages opposing counsel from misrepresenting the substance of your discussions.

Including the entire chain of emails also ensures that the court does not suspect omitted portions contain unflattering or inconsistent information.

(5) If you end up conferring verbally at some point, be sure to immediately summarize the discussion in a follow-up email.

The longer you wait, the more the accuracy of your summation can (and likely will) be called into question.

Delay in sending a summary email also makes it more likely that any progress you made in negotiations will be lost.

These are, of course, only guidelines for discussion, and the manner in which you implement them should be flexible enough to take into account the complexity of the dispute and its importance to the overall case.

By making a diligent effort to confer, regardless of the specific approach, you will have a better chance of resolving disputes informally, and you will also be more likely to win if a formal motion proves necessary.

In either case, putting more effort into conferring is the best strategic choice because it means you will fight fewer unnecessary battles, thus allowing you to achieve results for your clients with less wasted time and effort.15 TBJ

Notes

1. As noted in Dondi Properties Corp. v. Commerce Savings and Loan Association:

The purpose of the conference requirement is to promote a frank exchange between counsel to resolve issues by agreement or to at least narrow and focus the matters in controversy before judicial resolution is sought.

Regrettably over the years, in many instances the conference requirement seems to have evolved into a pro forma matter.

With increased frequency I observe instances in which discovery disputes are resolved by the affected parties after a hearing has been set—sometimes within minutes before the hearing is to commence.

If disputes can be resolved after motions have been filed, it follows that in all but the most extraordinary circumstances, they could have been resolved in the course of [Local] Rule 5.1(a) conferences.

121 F.R.D. 284, 289 (N.D. Tex. 1988).

2. E.D. Tex. Loc. R. CV-7(i); N.D. Tex. Loc. R. (Civ.) 7.1(b); S.D. Tex. Loc. R. 7.1(D); W.D. Tex. Loc. R. CV-7(i).

See, e.g., Dallas (Tex.) Civ. Dist. Ct. Loc. R. 2.07(a), (d) (requiring certificates for all motions except “dispositive motions, motions for summary judgment, default judgments, motions to confirm arbitration awards, motions to exclude expert testimony, pleas to the jurisdiction, motions to designate responsible third parties, motions to strike designations of responsible third parties, motions for voluntary dismissal or nonsuit, post-verdict motions and motions involving service of citation”);

Harris Cty. Dist. Ct. Loc. R. 3.3.6 (extending requirement “to all motions, pleas and special exceptions except summary judgments, default judgments, agreed judgments, motions for voluntary dismissal or non-suit, post-verdict motions and motions involving service of citation”).

4. See, e.g., Dallas (Tex.) Civ. Dist. Ct. Loc. R. 2.07(b) & (c)(1) (specifying minimum standards for attempts to contact opposing counsel and content of certificate); Court Procedures of the 113th Judicial District Court, Harris County (stating that “[a] certificate of conference stating that a letter or email was sent to opposing counsel and a response was not received is insufficient,” and specifying that certificate should list the dates and times of attempted contact).

5. De minimis attempts to contact opposing counsel shortly before filing are most common historically, although more subtle strategies have become popular in recent years. For example, some lawyers sabotage the discussion by making thoroughly unreasonable demands, relying on the rejection of their demands as grounds for declaring the parties at an “impasse.”

6. See Sofia Androgué,‘Rambo’ Style Litigation in the Third Millennium—The End of An Era?, 37 Houston Lawyer 22, 25 (March/April 2000).

7. Edward P. Sangster, Death, By Meet and Confer, at 3, available at http://www.klgates.com/files/Publication/4359c827-3b77-4d37-b44f-55f2cde6ae5c/Presentation/PublicationAttachment/dddc7d0c-e96b-4b78-ae58-a100e3cd5195/Death.pdf (discussing such tactics in the context of federal meet-and-confer requirements).

8. See Sangster, supra note 7, at 3 (noting this tactic amongst federal practitioners); see also Androgué, supra note 6, at 25 (noting that overly aggressive tactics detract from legitimate arguments and risk alienating the court).

9. See, e.g., Court Procedures of the 151st Judicial District Court, Harris County (requiring an explicit description of attempts to confer and supplementation when no conference occurred before filing). Indeed, in some jurisdictions no hearing can be scheduled before a detailed account of counsel’s efforts to confer is provided. E.g., id. (providing that the clerk will remove motions from the docket that do not comply with the certificate of conference requirement under the local rules); see also Court Procedures of the 127th Judicial District Court, Harris County (stating that “[a]ll motions without a detailed certificate of conference will be reset or passed”).

10. At a minimum, counsel can expect to be sent outside to confer before the court resumes consideration of the motion.

E.g., Court Procedures of the 113th Judicial District Court, Harris County (stating that when a motion does not include a proper certificate of conference, “the court will not hear the motion until the lawyers have actually conferred outside the courtroom”).

11. See Hon. Randy Wilson, From My Side of the Bench: Judges Talk, 72 The Advocate (Texas) 83, 83 (Fall 2015) (advising lawyers that “[e]ven if you’re appearing before a judge for the first time, there’s a decent chance that the judge has heard of you and may have an impression of you, be it good or bad”).

12. See Dondi Props. Corp., 121 F.R.D. at 289 (noting that discovery disputes are frequently resolved by the affected parties only after a hearing is set). Supplementing with an updated certificate is a good idea when this happens, and is required by certain courts. E.g., Court Procedures of the 151st Judicial District Court, Harris County (stating that the certificate “should always be supplemented as soon as possible after the parties have actually conferred”).

13. Giana Ortiz, Discovery Motions: Practical Tips for Picking and Winning Battles, 72 The Advocate. (Texas) 34, 34 (Fall 2015).

14. See id. (noting that “[w]ell documented conferences will go a long way toward illustrating to the court the requesting party’s efforts to avoid the court’s involvement”).

15. See Sun Tzu, The Art of War, Ch. III (noting that “to fight and conquer in all your battles is not supreme excellence; supreme excellence consists in breaking the enemy’s resistance without fighting”) (Lionel Giles ed. 1988, available through The Internet Classics Online at http://classics.mit.edu/Tzu/artwar.html).

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kanggroupservices · 5 months

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Understanding the Benefits of Permanent Whole Life Insurance and Supplemental Insurance Policies in Dallas

Are you considering securing your financial future in Dallas? One crucial aspect to explore is insurance coverage. While many types of insurance exist, two significant options to consider are permanent whole life insurance policy and supplemental insurance policies. Understanding the benefits of these policies, particularly in the context of Dallas, can help you make informed decisions about your financial well-being.

Permanent Whole Life Insurance: A Lifelong Security Blanket

Permanent whole life insurance offers lifelong coverage and comes with a cash value component that grows over time. Here's why it's worth considering:

Lifetime Coverage: Unlike term life insurance, which covers you for a specific period, permanent whole life insurance provides coverage for your entire life. This ensures that your loved ones receive financial support regardless of when you pass away.

Cash Value Growth: A portion of your premium payments goes into a cash value account, which accumulates over time on a tax-deferred basis. In Dallas, where the cost of living continues to rise, having a cash value component can provide a valuable financial cushion for unexpected expenses or retirement.

Tax Advantages: The cash value growth in a permanent whole life insurance policy accumulates tax-deferred. Additionally, the death benefit is typically tax-free for beneficiaries. These tax advantages can be particularly beneficial for residents of Dallas seeking to maximize their wealth accumulation and leave a legacy for their loved ones.

Flexible Payment Options: Permanent whole life insurance policies often offer flexible payment options, allowing policyholders to adjust their premiums based on their financial circumstances. This flexibility can be especially advantageous in a dynamic city like Dallas, where income levels and expenses may fluctuate over time.

Estate Planning Tool: In Dallas, where estate planning is essential for wealth preservation, permanent whole life insurance can serve as a valuable tool. The death benefit can help cover estate taxes, ensuring that your assets are passed on to your heirs intact.

Supplemental Insurance Policies: Enhancing Your Coverage

In addition to permanent whole life insurance, Dallas residents can benefit from supplemental insurance policies tailored to their specific needs. These policies provide additional coverage beyond what traditional health or life insurance offers. Here are some examples:

Critical Illness Insurance: Dallas, like many major cities, faces healthcare challenges, including the risk of critical illnesses such as cancer, heart disease, or stroke. Critical illness insurance provides a lump-sum payment if you are diagnosed with a covered condition, helping you cover medical expenses and other financial obligations during a challenging time.

Disability Insurance: A sudden disability can have devastating financial consequences, especially in a city as fast-paced as Dallas. Disability insurance replaces a portion of your income if you are unable to work due to injury or illness, ensuring that you can meet your financial obligations and maintain your standard of living.

Long-Term Care Insurance: With the rising cost of long-term care services, such as nursing homes or in-home care, long-term care insurance can provide financial protection and peace of mind. This type of policy covers expenses associated with extended care needs, allowing you to preserve your assets and maintain control over your healthcare decisions.

Accidental Death and Dismemberment Insurance: Dallas residents may face higher risks of accidents due to factors such as heavy traffic or outdoor recreational activities. Accidental death and dismemberment insurance provides a benefit if you die or suffer a serious injury as a result of an accident, providing additional financial support to your loved ones during a difficult time.

In conclusion, permanent whole life insurance and supplemental insurance policy in Dallas can play a crucial role in safeguarding your financial future in Dallas. Whether you're looking for lifelong protection, tax advantages, or additional coverage for specific risks, these insurance options offer valuable benefits that can provide peace of mind for you and your loved ones. Consult with a trusted insurance advisor, such as Kang Group Services, to explore your options and customize a policy that meets your unique needs and goals.

#best term policy in Dallas #whole life policy in Dallas #best term insurance plan in Dallas #health insurance Obamacare in Dallas #Obamacare health coverage in Dallas

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data-science-machine-learning · 9 months

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CyborgIntell seeks to simplify AI machine learning in order to improve business outcomes

India has the third largest fintech ecosystem in the world with The sector in India recorded a market size of $31 billion in 2021. The market has been steadily expanding due to the increase in digitization in the country. The recent entry of AI into the sector has further contributed to this growth.

Data as complex as it is of utmost importance especially to the BFSI market. The collection and correct usage of data can create a significant difference to the companies in the sector.

In order to help companies collect and process large amounts of data, help with the decision-making process and to assist companies to adopt AI technology; trio Suman Singh, Mohammed Nawas, and Amit Kumar founded CyborgIntell in 2019.

CyborgIntell is an enterprise AI software company for financial services, poised for simplifying AI & designed for better ROI. The company was set up to help companies take up AI using the company’s end-to-end Automated Data Science Machine Learning platform to accelerate the decision making process simpler and faster.

Co-founder and CEO Singh told Entrackr, “Our whole mission has been how we can simplify this AI and help our customer to generate a better ROI in a much faster, better and accurate manner.”

Among its key products are iTuring AutoML+ a zero-code auto AI that helps automate data science and machine learning, iTuring MLOps works along with the company’s DevOps platform and helps operationalize AI models for business impact, and iTuring Decision AI which helps organize the outputs of the predictive models and supplement them with policy driven rules.

Basically, iTuring cuts down turnaround time, aids in increasing efficiency, and assists in the delivery of new solutions, looking to increase a business’ ROI and save money by increasing precise and reliable business decisions.

The company has its headquarters in Bangalore, but it also operates offices in Johannesburg and Dallas. The platform licensing subscriptions generate the majority of the company’s revenue. It currently has around 40 active users.

A majority of CyborgIntell’s customer base consists of Tier-1 and Tier-2 banks, Tier-1 and Tier-2 insurance, digital lending, and housing finance companies.

The fintech company has received a total of $2 million in funding in its pre-series A funding round which saw participation from SenseAI, Pentathlon Ventures, and Ghosal Ventures.

The company is currently in discussions with fintech, insurance technology, and core banking solutions companies about developing analytical applications to extract value from their customer data through automation.

As part of its plans of expansion, the four-year-old company recently extended its operations to the US signing it a insurance company in North America. It further plans on expanding into new geographies within the North American market as well.

It currently faces competition from companies like Dataiku, DataRobot, and SAS. In order to get a stronger hold of the market globally as well, the company is also looking to tap into the Singapore, UAE, and Malaysia fintech markets.

#artificial intelligence #machine learning #datascience #automl #mlops

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asgfinancial · 4 years

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rayarmat · 3 years

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A Guide to Outpatient COVID Treatment: Step-By-Step Doctors’ Plan That Could Save Your Life

Recently, Dr. Peter McCullough, MD, of Baylor University Medical Center in Dallas testified to Texas Senate HHS Committee about how mass media and even some government agencies are silencing clinical outpatient evidence for effective treatment of COVID19 and instead push vaccines only (video shown below).

Treatments like those mentioned by Dr. McCullough can be found in sites like https://c19early.com/ but specifically, McCullough refers to the following Appendix to a document published by Association of American Physicians and Surgeons (AAPSonline.org) as an educational resource. It is based on a paper published in American Journal of Medicine (link), by Dr. Peter McCullough and 22 other clinicians (MDs) and researchers (PhDs).

“Seek early treatment and be your own advocate. All of the physicians contributing to this booklet are on the frontlines treating outpatients at the first signs of COVID illness. Studies in the US and many other countries clearly show that patients who are treated within the first 5 days of symptoms have better outcomes using the combination of medications in the algorithm below.”

COVID-19 hospitalizations and death can be reduced with outpatient treatment.

Principles of COVID-19 outpatient care include: 1) reduction of reinoculation, 2) combination antiviral therapy, 3) immunomodulation, 4) antiplatelet/antithrombotic therapy 5) administration of oxygen, monitoring, and telemedicine.

“For the ambulatory patient with recognized early signs and symptoms of COVID-19, often with nasal real-time reverse transcription or oral antigen testing pending, the following 4 principles could be deployed in a layered and escalating manner depending on clinical manifestations of COVID-19-like illness and confirmed infection: 1) reduction of reinoculation, 2) combination antiviral therapy, 3) immunomodulation, and 4) antiplatelet/antithrombotic therapy. Because the results of testing could take up to a week to return, treatment can be started before the results are known. For patients with cardinal features of the syndrome (ie, fever, body aches, nasal congestion, loss of taste and smell, etc.) and suspected false-negative testing, treatment can be the same as those with confirmed COVID-19. Future randomized trials are expected to confirm, reject, refine, and expand these principles. In this article, they are set forth in emergency response to the growing pandemic as shown in Figure 1 .

Treatment algorithm for COVID-19-like and confirmed COVID-19 illness in ambulatory patients at home in self-quarantine. BMI = body mass index; CKD = chronic kidney disease; CVD = cardiovascular disease; DM = diabetes mellitus; Dz = disease; HCQ = hydroxychloroquine; Mgt = management; O2 = oxygen; Ox = oximetry; Yr = year.

The basic groups of prescription medicines and other therapies used in COVID-19:

▪ Combination anti-viral medicines started as soon as symptoms occur ▪ Medicines to decrease inflammation, such as corticosteroids (called immunomodulators)

▪ Anticoagulant therapy to prevent blood-clots that can cause strokes, heart attacks, kidney shut-down, and death.

▪ Non-prescription supportive treatments with zinc, vitamin D, vitamin C, electrolyte drinks such as Pedialyte, and others.

▪ Home-based oxygen support, such as with an oxygen concentrator. These machines are available by physician prescription from home health medical supply businesses and are covered on most medical insurance plans.

I. Antiviral Agents:

These must be started quickly at STAGE I (Days 1-5):

Symptoms include sore throat, nasal stuffiness, fatigue, headaches, body aches, loss of taste and/or smell, loss of appetite, nausea, diarrhea, fever.

These medicines stop the virus from (1) entering the cells and (2) from multiplying once inside the cells, and they reduce bacterial invasion in the sinuses and lung:

▪ *Hydroxychloroquine (HCQ) with azithromycin (AZM) or doxycycline

▪ Ivermectin with azithromycin (AZM) or doxycycline

Either combination above must also include zinc sulfate or gluconate, plus supplemental vitamin D, and vitamin C. Some doctors also recommend adding a B complex vitamin.

Zinc is critical. It helps block the virus from multiplying.

Hydroxychloroquine is the carrier taking zinc INTO the cells to do its job.

An educational resource from The Association of American Physicians and Surgeons (AAPSonline.org) 16

II. Anti-inflammatory Agents - Corticosteroids (“steroids”): Oral and Nebulized.

These are started at STAGE II (Days 3-14) to reduce inflammation, the cause of added damage to the lungs and critical organs. Symptoms include worsening cough, difficulty breathing, chest heaviness/tightness or chest pain.

As inflammation damages the airways interfering with normal oxygen-carbon dioxide exchange, blood oxygen levels drop and people experience loss of focus, drowsiness, confusion, difficulty concentrating, low energy and severe fatigue.

The exaggerated Inflammation response in COVID further increases the risk of blood clots.

Prescription medicines and other support added now to Stage I medicines are: ▪ nebulized budesonide to help penetrate the lungs and reduce inflammation ▪ oral prednisone, methylprednisolone, dexamethasone

▪ colchicine – may also be added to reduce inflammation

▪ full strength adult aspirin 325 mg to reduce inflammation and risk of blood clots ▪ home oxygen concentrator may be needed to improve oxygen levels (requires physician prescription)

III. Prescription Anticoagulants (“blood thinners”):

STAGE III (Day 7 and beyond): Symptoms seen in Stage II intensify. Difficulty breathing becomes extreme, oxygen levels drop sharply, risk of heart attack or stroke increases. At this point, people are critically ill.

The medicines to be added to Stage I and II medicines now include:

▪ Aspirin 325 mg unless told not to take by your doctors

▪ And/or low molecular weight heparin injections (e.g. enoxaparin [Lovenox]) OR

▪ apixaban (Eliquis), or rivaroxaban (Xarelto), or dabigatran (Pradaxa) or

edoxaban (Savaysa) in standard doses for 5 to 30 days

If these added steps do not lead to improvement, or the patient becomes unstable, a 911 call is warranted for ER evaluation and hospital admission so that more aggressive IV medications (such as remdesivir, Regeneron, and others) may be considered, and more intensive ventilation regimens are possible in ICU settings.

IV. Vitamins, Supplements, and Oxygen.

▪ Zinc sulfate, gluconate or citrate. These forms are available in pharmacies, health food stores, and sold online. Zinc sulfate 220 mg provides 50 mg elemental zinc, the recommended anti-viral dose. Zinc in the form of zinc picolinate form is not recommended following reports of liver damage and tumors from studies about 20 years ago. Following these reports, the German Commission E that regulates supplements used in medical practice in Germany banned this form of zinc.

An educational resource from The Association of American Physicians and Surgeons (AAPSonline.org) 17

▪ Vitamin D3, preferable in oil in capsules for better absorption. Recommended doses for anti-viral benefit vary from 5000 IU or more for 5-30 days

▪ Vitamin C with bioflavonoids for antioxidant, anti-inflammatory effects. Dose

recommendations from our contributors vary from 1000 mg (1 gram) once or twice a day up to 4 or more times a day.

▪ A word about quercetin. Some physicians are recommending this supplement to reduce viral illnesses because quercetin acts as a zinc ionophore to improve zinc

uptake into cells. It is much less potent than HCQ as a zinc transporter, and it does

not reach high concentrations in lung cells that HCQ does. Quercetin may help

reduce risk of viral illness if you are basically healthy. But it is not potent enough to replace HCQ for treatment of COVID once you have symptoms, and it does not

adequately get into lung tissue unless you take massive doses (3-5 grams a day),

which cause significant GI side effects such as diarrhea.

Control of Contagion

A major goal of self-quarantine is the control of contagion. Many sources of information suggest the main place of viral transmission occurs in the home. Facial covering for all contacts within the home as well as frequent use of hand sanitizer and hand washing is mandatory. Sterilizing surfaces such as countertops, door handles, phones, and other devices is advised. When possible, other close contacts can move out of the domicile and temporarily stay with others not ill with SARS-CoV-2. Findings from multiple studies indicate that policies concerning control of the spread of SARS-CoV-2 are effective and extension into the home as the most frequent site of viral transfer is paramount.

Reduction of Self-Reinoculation

It is well-recognized that COVID-19 exists outside the human body in a bioaerosol of airborne particles and droplets. Because exhaled air in an infected person is considered to be “loaded” with inoculum, each exhalation and inhalation is effectively reinoculation. In patients who are hospitalized, negative pressure is applied to the room air largely to reduce spread outside of the room. We propose that fresh air could reduce reinoculation and potentially reduce the severity of illness and possibly reduce household spread during quarantine. This calls for open windows, fans for aeration, or spending long periods of time outdoors away from others with no face covering to disperse and not reinhale the viral bioaerosol.

Combination Antiviral Therapy

Rapid and amplified viral replication is the hallmark of most acute viral infections. By reducing the rate, quantity, or duration of viral replication, the degree of direct viral injury to the respiratory epithelium, vasculature, and organs may be lessened. Additionally, secondary processes that depend on viral stimulation, including the activation of inflammatory cells, cytokines, and coagulation, could potentially be lessened if viral replication is attenuated. Because no form of readily available medication has been designed specifically to inhibit SARS-CoV-2 replication, 2 or more of the nonspecific agents listed here can be entertained. None of the approaches listed have specific regulatory approved advertising labels for their manufacturers; thus all would be appropriately considered acceptable “off-label” use.

Zinc Lozenges and Zinc Sulfate

Zinc is a known inhibitor of coronavirus replication. Clinical trials of zinc lozenges in the common cold have demonstrated modest reductions in the duration and or severity of symptoms. By extension, this readily available nontoxic therapy could be deployed at the first signs of COVID-19. Zinc lozenges can be administered 5 times a day for up to 5 days and extended if needed if symptoms persist. The amount of elemental zinc lozenges is <25% of that in a single 220-mg zinc sulfate daily tablet. This dose of zinc sulfate has been effectively used in combination with antimalarials in early treatment of high-risk outpatients with COVID-19.

Antimalarials

Hydroxychloroquine (HCQ) is an antimalarial/anti-inflammatory drug that impairs endosomal transfer of virions within human cells. HCQ is also a zinc ionophore that conveys zinc intracellularly to block the SARS-CoV-2 RNA-dependent RNA polymerase, which is the core enzyme of the virus replication. The currently completed retrospective studies and randomized trials have generally shown these findings: 1) when started late in the hospital course and for short durations of time, antimalarials appear to be ineffective, 2) when started earlier in the hospital course, for progressively longer durations and in outpatients, antimalarials may reduce the progression of disease, prevent hospitalization, and are associated with reduced mortality. In a retrospective inpatient study of 2541 patients hospitalized with COVID-19, therapy associated with an adjusted reduction in mortality was HCQ alone (hazard ratio [HR] = 0.34, 95% confidence interval [CI] 0.25-0.46, P <0.001) and HCQ with azithromycin (HR = 0.29, 95% CI 0.22-0.40, P <0.001). HCQ was approved by the US Food and Drug Administration in 1955, has been used by hundreds of millions of people worldwide since then, is sold over the counter in many countries, and has a well-characterized safety profile that should not raise undue alarm. Although asymptomatic QT prolongation is a well-recognized and infrequent (<1%) complication of HCQ, it is possible that in the setting of acute illness symptomatic arrhythmias could develop. Data safety and monitoring boards have not declared safety concerns in any clinical trial published to date. Rare patients with a personal or family history of prolonged QT syndrome and those on additional QT prolonging, contraindicated drugs (eg, dofetilide, sotalol) should be treated with caution and a plan to monitor the QTc in the ambulatory setting. A typical HCQ regimen is 200 mg bid for 5 days and extended to 30 days for continued symptoms. A minimal sufficient dose of HCQ should be used, because in excessive doses the drug can interfere with early immune response to the virus.

Azithromycin

Azithromycin is a commonly used macrolide antibiotic that has antiviral properties mainly attributed to reduced endosomal transfer of virions as well as established anti-inflammatory effects. It has been commonly used in COVID-19 studies initially based on French reports demonstrating markedly reduced durations of viral shedding, fewer hospitalizations, and reduced mortality combination with HCQ as compared to those untreated. In the large inpatient study (n = 2451) discussed previously, those who received azithromycin alone had an adjusted HR for mortality of 1.05, 95% CI 0.68-1.62, and P = 0.83.23 The combination of HCQ and azithromycin has been used as standard of care in other contexts as a standard of care in more than 300,000 older adults with multiple comorbidities. This agent is well-tolerated and like HCQ can prolong the QTc in <1% of patients. The same safety precautions for HCQ listed previously could be extended to azithromycin with or without HCQ. Azithromycin provides additional coverage of bacterial upper respiratory pathogens that could potentially play a role in concurrent or secondary infection. Thus, this agent can serve as a safety net for patients with COVID-19 against clinical failure of the bacterial component of community-acquired pneumonia. The same safety precautions for HCQ could be extended to azithromycin with or without HCQ. Because both HCQ and azithromycin have small but potentially additive risks of QTc prolongation, patients with known or suspected arrhythmias or taking contraindicated medications or should have more thorough workup (eg, review of baseline electrocardiogram, imaging studies, etc.) before receiving these 2 together. One of many dosing schemes is 250 mg po bid for 5 days and may extend to 30 days for persistent symptoms or evidence of bacterial superinfection.

Doxycycline

Doxycycline is another common antibiotic with multiple intracellular effects that may reduce viral replication, cellular damage, and expression of inflammatory factors. This drug has no effect on cardiac conduction and has the main caveat of gastrointestinal upset and esophagitis. As with azithromycin, doxycycline has the advantage of offering antibacterial coverage for superimposed bacterial infection in the upper respiratory tract. Doxycycline has a high degree of activity against many common respiratory pathogens including Streptococcus pneumoniae, Haemophilus influenzae, Moraxella catarrhalis, anaerobes such as Bacteroides and anaerobic/microaerophilic streptococci and atypical agents like Legionella, Mycoplasma pneumoniae, and Chlamydia pneumoniae. One of many dosing schemes is 200 mg po followed by 100 mg po bid for 5 days and may extend to 30 days for persistent symptoms or evidence of bacterial superinfection. Doxycycline may be useful with HCQ for patients in whom the HCQ-azithromycin combination is not desired.

Favipiravir

Favipiravir, an oral selective inhibitor of RNA-dependent RNA polymerase, is approved for ambulatory use in COVID-19 in Russia, India, and other countries outside of the United States.35 It has been previously used for treatment of some life-threatening infections such as Ebola virus, Lassa virus, and rabies. Its therapeutic efficacy has been proven in these diseases. Like, the antimalarials and antibiotics, favipiravir has no large-scale randomized trials completed at this time, given the short time frame of the pandemic. A dose administration could be 1600 mg po bid on day 1, following by 600 mg po bid for 14 days.

Immunomodulators

The manifestations of COVID-19 that prompt hospitalization and that may well lead to multiorgan system failure are attributed to a cytokine storm. The characteristic profile of a patient acutely ill with COVID-19 includes leukocytosis with a relative neutropenia. These patients have higher serum level of cytokines (ie, TNF-α, IFN-γ, IL-1β, IL-2, IL-4, IL-6, and IL-10) and C-reactive protein than control individuals. Among patients with COVID-19, serum IL-6 and IL-10 levels appear even more elevated in the critically ill. As with any acute inflammatory state, early treatment with immunomodulators is expected to impart greater benefit. In COVID-19, some of the first respiratory findings are nasal congestion, cough, and wheezing. These features are due to excess inflammation and cytokine activation. Early use of corticosteroids is a rational intervention for patients with COVID-19 with these features as they would be in acute asthma or reactive airways disease. The RECOVERY trial randomized 6425 hospitalized patients with COVID-19 in a 2:1 ratio to dexamethasone 6 mg po/IV daily for up to 10 days and found dexamethasone reduced mortality (HR = 0.65, 95% CI 0.51-0.82, P <0.001). One potential dosing scheme for outpatients starting on day 5 or the onset of respiratory symptoms is prednisone 1 mg/kg given daily for 5 days with or without a subsequent taper.

Colchicine

Colchicine is a nonsteroidal antimitotic drug that blocks metaphase by binding to the ends of microtubules to prevent the elongation of the microtubule polymer. This agent has proven useful in gout and idiopathic recurrent pericarditis. The GRECCO-19 randomized open-label trial in 105 hospitalized patients with COVID-19 found that colchicine was associated with a reduction in D-dimer levels and improved clinical outcomes. The clinical primary end point (2-point change in World Health Organization ordinal scale) occurred in 14.0% in the control group (7 of 50 patients) and 1.8% in the colchicine group (1 of 55 patients) (odds ratio, 0.11; 95% CI, 0.01-0.96; P = 0.02). Because the short-term safety profile is well understood, it is reasonable to consider this agent along with corticosteroids in an attempt to reduce the effects of cytokine storm. A dosing scheme of 1.2 mg po, followed by 0.6 mg po bid for 3 weeks can be considered.

Antiplatelet Agents and Antithrombotics

Multiple studies have described increased rates of pathological macro- and micro-thrombosis. Patients with COVID-19 have described chest heaviness associated with desaturation that suggests the possibility of pulmonary thrombosis. Multiple reports have described elevated D-dimer levels in acutely ill patients with COVID-19, which has been consistently associated with increased risk of deep venous thrombosis and pulmonary embolism. Necropsy studies have described pulmonary microthrombosis in COVID-19. These observations support the notion that endothelial injury and thrombosis play a role oxygen desaturation, a cardinal reason for hospitalization and supportive care. Based on this pathophysiologic rationale, aspirin 81 mg daily can be administered as an initial antiplatelet and anti-inflammatory agent. Ambulatory patients can be additionally treated with subcutaneous low-molecular-weight heparin or with short-acting novel anticoagulant drugs in dosing schemes similar to those use in outpatient thromboprophylaxis. In a retrospective study of 2773 inpatients with COVID-19, 28% received anticoagulant therapy within 2 days of admission, and despite being used in more severe cases, anticoagulant administration was associated with a reduction in mortality (HR = 0.86 per day of therapy, 95% CI: 0.82-0.89; P <0.001). Additional supportive data on the use anticoagulants reducing mortality has been reported in hospitalized patients with elevated D-dimer levels and higher comorbidity scores.53 Many acutely ill outpatients also have general indications for venous thromboembolism prophylaxis applicable to COVID-19.

Delivery of Oxygen and Monitoring

Because ambulatory centers and clinics have been reticent to have face-to-face visits with patients with COVID-19, telemedicine is a reasonable platform for monitoring. Clinical impressions can be gained with audio and video interviews by the physician with the patient. Supplemental information, including vital signs and symptoms, will be important to guide the physician. A significant component of safe outpatient management is maintenance of arterial oxygen saturation on room air or prescribed home oxygen under direct supervision by daily telemedicine with escalation to hospitalization for assisted ventilation if needed. Self-proning could be entertained for confident patients with good at-home monitoring.

Many of the measures discussed in this article could be extended to seniors in COVID-19 treatment units in nursing homes and other nonhospital settings. This would leave the purposes of hospitalization to the administration of intravenous fluid and parenteral medication, assisted pressure or mechanical ventilation, and advanced mechanical circulatory support.”

youtube

This is the group’s statement on vaccines:

“Vaccines in Development:

Several vaccine models are being investigated for SARS-CoV-2 (COVID-19) including DNA and RNA vaccines. These vaccines take genetic information from other sources that is introduced into the cells. This information includes instructions to produce a SARS2-like viral antigen itself, and the immune system then reacts to it to develop immunity to the virus.

The most important consideration before approving a vaccine for human use is to make sure that the vaccine is safe and effective. Developing safe and controlled infection models for humans normally takes many years of phased testing in the lab and then in humans. Many physicians and scientists have been concerned that vaccine manufacturers, with government support, are speeding up this process in ways that are not allowing adequate time for the usual phased testing leading up to human clinical trials. Two vaccine manufacturers already have voluntarily paused their clinical trials in people due to serious adverse events.

Currently, there are no RNA-based vaccines approved for human use so it would seem prudent to take the time needed to ensure safety. Vaccines for RNA viruses are notoriously challenging and difficult to develop. We still, after all these years since AIDS emerged in the 1980s, do not have a vaccine for the AIDS virus, or the SARS-1 coronavirus that emerged in 2002-2003, and both are RNA viruses.

Several attempts have been made to create vaccines for coronavirus and other respiratory viruses but none of the vaccines have survived the testing phases. The vaccine trials for SARS-1 from 2003, for example, was shut down because it produced autoimmune hypersensitivity reactions when exposed to the natural virus after immunization in animal studies.

Another problem is that the SARS-2 virus has already shown many mutations. Viruses adapt to the environment to survive. Like the flu virus, it is difficult to predict what mutations will occur and circulate around the world each season. A new vaccine must be reformulated to adjust to the changing genetic makeup of the SARS-2 virus.

Even the best vaccines for flu are only about 30-60% effective. Compare that with an effectiveness for improvement ranging from 64% to more than 90% in more than 100 new studies showing early, outpatient treatment with our existing medications described in chapters.

As research on the vaccine continues, safety and effectiveness are of primary concern. The good news is there are very safe and effective early treatments already available as we described in Chapter 3. Clearly, early, home-based treatment has now been so successful and offers so much hope, there is less urgency to have a vaccine.”

You can sign up to receive the full protocol here: https://aapsonline.org/covidpatientguide/ or find the research paper here: https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7410805/

#coronavirus #medicine #pandemic #virus #ivermectin tablets

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txmedsolutions · 3 years

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healthinsuranceobamacare · 5 months

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Navigating Private Health Quotes and Workers' Compensation Policies in Dallas with Kang Group Services

As a business owner or an individual seeking comprehensive private health quotes in Dallas and robust workers' compensation policies, navigating the intricate landscape of insurance options can be daunting. With numerous providers and policies available, finding the right fit for your specific needs requires careful consideration and expert guidance.

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orbemnews · 3 years

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Biden and Republicans Spar Over Unemployment as Job Gains Disappoint WASHINGTON — The disappointing jobs report released Friday by the Labor Department is posing the greatest test yet of President Biden’s strategy to revive the economy, with business groups and Republicans warning that the president’s policies are causing a labor shortage and that his broader agenda risks stoking runaway inflation. But the Biden administration showed no signs on Friday of changing course, with the president defending the more generous jobless benefits included in the $1.9 trillion bill he signed into law in March and saying the $4 trillion in spending he proposed for infrastructure, child care, education and other measures would help create more and better-paying jobs after the pandemic. Speaking at the White House, Mr. Biden urged “perspective” on the report, which showed only 266,000 new jobs added in April. He said it would take time for his aid bill to fully reinvigorate the economy and hailed the more than 1.5 million jobs added since he took office. And he rejected what he called “loose talk that Americans just don’t want to work.” “The data shows that more workers are looking for jobs,” he said, “and many can’t find them.” Republicans cast the report as a sign of failure for Mr. Biden’s policies, even though job creation has accelerated since Mr. Biden replaced President Donald J. Trump in the White House. They called on his administration to end the $300 weekly unemployment supplement, while several Republican governors — including those in Arkansas, Montana and South Carolina — moved to end the benefit for unemployed people in their states, citing worker shortages. “This is a stunning economic setback, and unequivocal proof that President Biden is sabotaging our jobs recovery with promises of higher taxes and regulation on local businesses that discourage hiring and drive jobs overseas,” Representative Kevin Brady of Texas, the top Republican on the Ways and Means Committee, said in a news release. “The White House is also in denial that many businesses — both small and large — can’t find the workers they need.” Business groups like the U.S. Chamber of Commerce, which have backed pieces of Mr. Biden’s broad economic agenda, also suggested the aid was holding back hiring. The jobs report “begins to confirm that this is a barrier — not the only barrier, but a barrier to filling open positions in the recovery,” said Neil Bradley, the chamber’s executive vice president and chief policy officer. “We absolutely have to begin to make the preparation to turn the supplement off,” he said. “The sooner we do that, the sooner it’s going to become clear how this has been holding us back.” The unemployment supplement has quickly become Republicans’ preferred weapon in attacking Mr. Biden’s economic stewardship, with lawmakers and conservative economists arguing that his heavy spending is having a negative effect on the recovery and will ultimately slow growth. While Democrats command narrow majorities in Congress, Republicans are trying to turn public sentiment against Mr. Biden’s approach and to stall plans to spend $4 trillion on policies that would be offset by higher taxes on corporations and the wealthy. Republicans backed a $600 weekly supplement in the first stimulus bill approved under Mr. Trump, but they said the need for it no longer existed and that it was providing a disincentive to look for work. Economists who support that view pointed to details of the jobs report — including rapid wage gains in the hospitality sector — saying that suggested employers were rapidly raising pay to encourage new hires to accept jobs. White House officials disputed that reading. Heather Boushey and Jared Bernstein, members of the White House Council of Economic Advisers, both pointed to a gain of 300,000 jobs in the leisure and hospitality sector and to a falling number of workers who told the department they had left the labor force out of concern over contracting the coronavirus as signs that the unemployment supplement was not deterring workers. Other officials noted that under the rules of unemployment benefits, workers could not turn down suitable job offers and still qualify for assistance. Asked if he believed the enhanced benefits had any effect on the job gains, Mr. Biden replied, “No, nothing measurable.” Administration officials say that any clogs in the labor market are likely to be temporary, and that the recovery will smooth out once more working-age Americans are fully vaccinated, schools and child care centers are fully open and people feel more comfortable going back to work. “This is progress,” Ms. Boushey said in an interview. “We are adding an average of over 500,000 jobs a month” over the past three months, she said. “That’s evidence that our approach is working, that the president’s approach is working,” Ms. Boushey said. “It also emphasizes the steep climb coming out of this crisis.” Administration officials expressed optimism that the pace of job gains would accelerate in the months ahead. Substantial portions of the relief money that was approved in March have yet flow into the economy. That includes the $350 billion that was allocated for states and municipalities, which have 1.3 million fewer jobs than their prepandemic peak. States and cities are awaiting guidance on exactly how the money can be spent and what strings are attached. Republican-led states have filed a lawsuit against the Biden administration over its position that states cannot use relief money to subsidize tax cuts, which could further slow the rollout. Mr. Biden said at the White House that the administration would begin releasing the first batch of money to state and local governments this month. He said the money would not restore all of the lost jobs in one month, “but you’re going to start seeing those jobs in state and local workers coming back.” The administration also took steps on Friday to get money out the door more quickly, saying the Treasury Department would release $21.6 billion of rental assistance that was included in the pandemic relief legislation to provide additional support to millions of people who could be facing eviction in the coming months. Officials said they expected increased vaccination rates to ease some lingering fears about returning to jobs in the pandemic. The number of Americans 18 to 64 who are fully vaccinated grew by 22 million from mid-April, when the survey for the jobs report was conducted, to Friday. That was an acceleration from the previous month. Some White House officials said the administration’s push to further increase the ranks of the vaccinated could be the most important policy variable for the economy this summer. Treasury Secretary Janet L. Yellen, speaking at the White House, said that a lack of child care related to irregular school schedules was making it a challenge to get the labor market back to full strength. She also said that health concerns about the pandemic were holding back some workers who might return to the market. “I don’t think that the addition to unemployment compensation is really the factor that’s making the difference,” Ms. Yellen said. She said that she believed the labor market was healthier than the figures released on Friday suggested, but she allowed that the economic recovery would take time. “We’ve had a very unusual hit to our economy,” Ms. Yellen said, “and the road back is going to be somewhat bumpy.” Ms. Boushey and Mr. Bernstein said that it appeared the economy was working through a variety of rapid changes related to the pandemic, including supply chain disruptions that have hurt automobile manufacturing by reducing the availability of semiconductor chips and businesses beginning to rehire after a year of depressed activity because of the virus. “It’s our view that these misalignments and bottlenecks are transitory,” Mr. Bernstein said, “and they’re what you expect from an economy going from shutdown to reopening.” Other key economic officials treated the report as a sign that the labor recovery ahead is likely to prove wildly unpredictable. Robert S. Kaplan, the president at the Federal Reserve Bank of Dallas, said in an interview that his economics team had warned him that the April report might show a significant slowdown as shortages of materials — including lumber and computer chips — and labor bit into employment growth. He said he was hoping to see those supply bottlenecks cleared up, but he was watching carefully in case they did not resolve quickly. “It shows me that getting the unemployment rate down and moving forward to improved employment to population is going to have fits and starts,” Mr. Kaplan said. He noted that sectors that were struggling to acquire materials, like manufacturing, shed jobs, and he said leisure and hospitality companies would have added more positions if not for challenges in finding labor. “It’s just one jobs report,” cautioned Tom Barkin, the president of the Federal Reserve Bank of Richmond, in Virginia. But he said labor supply issues could be at play: Some people may have retired, others may have health concerns, and unemployment insurance could be encouraging low-paid workers to stay at home or allowing them to come back on their own terms. “I get the feeling that people are being choosy,” Mr. Barkin said. “The first question I have in my mind is — is it temporary or is it more structural?” He said that the supply constraints playing out were likely to fade over time, and that while businesses complain about rising input costs and might have to raise entry-level wages somewhat, he struggled to see that leading to much higher inflation — the kind that would worry the Fed. The Fed is trying to achieve maximum employment and stable inflation around 2 percent on average. It has pledged to keep its cheap-money policies, which make borrowing inexpensive, in place until it sees realized progress toward those goals. Neel Kashkari, the president of the Federal Reserve Bank of Minneapolis, said the payrolls disappointment vindicated the Fed’s slow-moving stance. “I feel very good about our policy approach, which is outcome-based,” Mr. Kashkari said, speaking on a Bloomberg television interview shortly after the report came out. “Let’s actually allow the labor market to recover, let’s not just forecast that it’s going to recover.” Source link Orbem News #Biden #disappoint #gains #Job #Republicans #Spar #Unemployment

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txmedsolutions · 3 years

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Aetna - Medicare Solutions and Insurance Plan In Texas

At Texas Medicare Solutions, we pride ourselves in helping our customers find the coverage they need at an affordable price.

That's why we trust Aetna to provide our clients with the professional level of service they deserve through Aetna health plans in Texas and other Aetna insurance policies.

Since our founding, we've helped countless people throughout Texas save money and enjoy the peace of mind that a policy from Aetna provides.

No matter what your situation is, our Aetna medicaid providers and Aetna health providers in Texas can help you understand your exact insurance needs and find competitively priced options for your next policy that can be Aetna health insurance in Texas or any other Aetna insurance.

Contact us now if you would like to enroll in Aetna individual insurance plans in Texas. The key areas that we serve in Texas include McAllen, Fort Worth, Waco, Dallas, and San Antonio.

Aetna can help you with the following insurance products – Medicare Advantage, Medicare Supplement, Life Insurance, Dental Insurance, Hospital Indemnity Insurance, Vision Insurance, and more.

Texas Medicare Solutions has already helped a lot of clients avail the insurance plans of Aetna and the testimonials are there for everyone to see.

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riadiobracig1972 · 4 years

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lincoln heritage burial insurance

BEST ANSWER: Try this site where you can compare quotes from different companies :quotesdeal.net

lincoln heritage burial insurance

lincoln heritage burial insurance A.M. Best Rating: AIG A+ Financial strength rating and superior customer service JD Power Rating: JD Power gave AIG a rating of A-, 3.0, below AA. JD Power Rating: A++ Customer service is important to AIG. If they are in bad hands, it’s best that you don’t let them take your assets. AIG is an excellent choice on our list. We are able to provide multiple types of insurance, such as: Auto Insurance. Condo & Landlord insurance. Renters insurance. Landlord insurance. Other insurance besides auto, we are also able to provide homeowners insurance in addition. Condo Plus, Boat Insurance, RV Insurance, Life insurance (with coverage of the usual for our vehicles, including boat and motor homes), umbrella insurance, trailer insurance, condo insurance and mobile home insurance. Some options of homeowners insurance. lincoln heritage burial insurance is unique in its flexibility and how it is divided into two main categories. The first category is traditional Indian burial insurance. The second category is Indian insurance for those who would have to deal with such an event on an otherwise traditional basis. These include funeral home’s burial insurance, funeral services, and burial coverage that the deceased is willing to pay the insurance company for. The second category is also divided into two main camps – first party Indian burial insurance and family burial insurance. These are also split into categories. In the first camp, the deceased could take out a life insurance policy for the first party in case of death from illness or accident that the applicant was unable to take out a policy on that the policy was written out with the company. If death from cancer and other conditions was not covered by the full face amount of their policy, then the policy cannot be issued. It does not matter if the policy is written with Indian company and from there, the policies are available to a person who. lincoln heritage burial insurance coverage through is also a great option for those who do not own a car and do not want to insure it in the long run. Since the burial insurance coverage by Lincoln is a limited policy, you will have to purchase it for your specific situation, as a full coverage policy is a standard item on many car insurance policies. Lincoln Heritage car insurance policy premiums are based on a number of factors like age, zip code, type of building, driving history, etc. It is important to note that, because Lincoln Heritage car insurance premiums are based on certain factors, you are completely at your own risk. We’ve compiled a list of factors that you can control or can’t control, that you can control, including finding the best insurers in the country. Lincoln Heritage Car Insurance Co. is not an insurance company. We’re an independent, independent and reputable life insurance company. We offer comprehensive life insurance, accident insurance, and dental plans. We even offer Medicare supplement plans.

Get Free insurance quote online Blake insurance group

Get Free insurance quote online Blake insurance group is licensed to sell insurance policies online, and more (we have many companies here). The insurance business is also a niche of ours. We also want to protect our customers on your car as well. If you choose to get your own personal or commercial insurance plan, we will work to you to find an . You can also get coverage through an for personal use. The average cost of home insurance in Texas is higher than the national average. The state also has several fault-line fault-point states which creates the risk in all areas – the cities, towns, and farms for instance. Although the average Texas homeowner pays $714 each month for home insurance, the median home insurance rate is only $636 per year. This is why getting a policy is so much easier in Houston than in Dallas. When determining your homeowners insurance premiums, many insurance providers will give you a price that is either higher or lower than the average quote. This can.

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smithdavid16 · 4 years

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Things You Should Know Before You Go Without Health Insurance

Are you interested in information about health insurance in Dallas? If you are, then you will want to read this article. In this article, we will discuss health insurance in Dallas. Specifically, we'll discuss health insurance in Dallas for students, people without any health insurance, and people who own their own businesses. After reading this article, you should have a good idea about different types of health insurance in Dallas,Tx.

Health insurance is usually an individual health insurance that pays a portion or the entire risk of an individual or family incurring healthcare costs. Usually, a large group will purchase large group health insurance. Individual health insurance coverage is not available in Texas right now. However, there may be changes to individual health insurance coverage as part of the current health reform legislation in Texas.

An individual health insurance policy can be broken down into several different parts. There are the basic benefits, which cover the most basic things that your health plan will cover. Coverage can include doctors visits, hospital stays, emergency room care, prescription drugs, mental health coverage, disability benefits, long-term care, and health insurance premiums and deductibles. Some basic policies will also cover dental care, dental plans, and vision care. Long-term care coverage is not offered in all policies and will depend on the state that you live in, as well as the cost of care and benefits for your loved ones.

There are two types of individual health coverage policies, which include fee-for-service and managed care. Most people have both fee-for-service and managed care coverage. Under Fee-for-service coverage, a major medical service provider is the one that pays your bills. In a managed care plan, there is usually a network of providers that will compete for your business. Both types of plans have major medical coverage that can be used for emergencies and basic services.

In recent years, many people have been asking, "What is the Affordable Health Care Act? Does it affect my health insurance?" The answer to this question varies depending on your health care needs and the type of health care policy you have. Although there are some major differences between the Medicare and private health care plans, there are a few things that are similar between the two. Click here to know more.

First, both Medicare and private health care plans have provisions that prevent health care providers from being able to deny payments for services. For instance, Medicare does not allow a doctor to refuse treatment based on a pre-existing medical condition. Second, both programs have provisions that require hospitals to provide appropriate emergency care and to treat a patient who has the same or similar medical condition as the patient. Finally, both programs offer protection for individuals with existing physical conditions as well as prevention and education programs for young adults regarding health care.

Both the Medicare and private health care plans have standardized features that are very similar. However, there are important differences as well. One of the biggest differences is that Medicare supplements are offered in the same manner as the original Medicare policy while private health care policies can vary significantly depending on the state that the policy is written.

There are a number of reasons that someone might be without health insurance. Some may be employed but no longer covered by an employer plan. Others may be self-employed or live in a state that has only a small health insurance market. No matter what the reason, it is important that you have adequate coverage so that you can get the medical care that you need.

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parkerjasmine1996 · 4 years

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country-wide insurance company

BEST ANSWER: Try this site where you can compare quotes from different companies :bestinsurancequotes.top

country-wide insurance company

country-wide insurance company which also provides the benefits of standard coverage to individuals. As a result, there are some great options available for individuals and families. These are known as “non-owner” health insurance plans. For non-owners, they tend to be more expensive (i.e., without a health insurance contract) and also often have higher deductibles and coinsurance that the company is legally required to pay. As you can see below, you may have coverage for less, but this is for a group, which typically carries higher premiums. There are many different ways for you to insure as a non-owner. For starters, consider a non-owner health insurance plan. Generally, insurance carriers have no say in what the premiums cost as a percentage of your earnings. If you earn between 5% to 60% of your annual earnings, you might pay as high as 20% more. A non-owner health insurance plan will pay for medical services only for you. You choose a provider who. country-wide insurance company will be able to help you compare the costs of your coverage to the cost of the insurance you purchased. You probably understand some of these points about car insurance. We will not be here. The is an insurance broker for a wide range of companies and situations. That is why we are here. Please visit our website, fill out the quote for the cheapest car insurance and we will give you the quotes from different providers. The average monthly cost of home insurance in Dallas is $984. However, home insurance rates vary for different housing situations. Prices are also determined by , the home inspectorâs report, construction costs, and claims. To help you find the most accurate rate, check out the average home insurance rates in Dallas, Texas at the average home insurance rates for the Dallas city. Homeowners insurance can protect your belongings in different phases of their lives â and if you have a. country-wide insurance company. Your business needs a good plan Your company’s health conditions and risks are covered by the Bureau of Environmental Protection and your costs are not determined By the EPA. Examine insurance status as an alternative to health care. Compare options. Learn and buy health insurance online. See prices and insurance plans. The average cost of health insurance in the United States for men in their 50s and 60s is $93 monthly. This is based on data that shows that men in their 70s have to pay a much higher premium due to high medical bills, accidents and costly pre-existing medical conditions. There are many to consider to help you get cheaper health insurance. Here are some of the common questions we are asked by a large, large group of people and the results vary from one group to another. The average cost of health insurance in the United States for older men is $4,947, followed by the average cost for the top.

Insurance

Insurance.com, LLC or affiliates. All decisions regarding any insurance products, including approval for coverage, premium, commissions and fees, will be made solely by the insurer underwriting the insurance under the insurer s then-current criteria. All insurance products are governed by the terms, conditions, limitations and exclusions set forth in the applicable insurance policy. Please see a copy of your policy for the full terms, conditions and exclusions. Any information on the Site does not in any way alter, supplement, or amend the terms, conditions, limitations or exclusions of the applicable insurance policy and is intended only as a brief summary of such insurance product. Policy obligations are the sole responsibility of the issuing insurance carrier. HomeInsurance.com, LLC, is a licensed insurance producer resident in North Carolina with license number 020773852, with its principle place of business at 15720 Brixham Hill Avenue, Suite 300, Charlotte, NC 28277. HomeInsurance.com, LLC services are only.

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knightavery · 4 years

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ethos insurance review

BEST ANSWER: Try this site where you can compare quotes from different companies :quotesdeal.net

ethos insurance review

ethos insurance review will give you an updated estimate of the cost of the policies to which you are insured, as well as the coverage options available to you. We are not affiliated with any one insurance company, so we do not represent any one insurance company, for which we are not a part of the rating. Your quote for the same coverage is automatically included for free. If you already have an insurance policy with one of the companies mentioned above, and you have received a quote for the same policy, the insurance company has determined the coverage you can purchase with them is comparable to your current policy. Insurance quote verification This part is where the insurer checks the data in your credit report. You can verify the information with your lender from their credit reporting, or with . This payment option is a one time payment option. If you don’t need to sign for the payment to go to a different bank website, then you won’t be able to buy your current insurance, but. ethos insurance review. To get an idea of what rate classes are out there for car insurance, compare auto insurance quotes from many companies. Before buying, Check out our affiliate rates for other top companies and also check out the links to other insurance companies you need if you want cheap rates. If you have questions about your auto insurance or would like more information, ask us and our partner . The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages. Whether you are in need of car insurance in Oklahoma just looking to get a quote or want to make your current quote free and easy, we can help you get the quality insurance you can afford. No one ever imagined an insurance. ethos insurance review is. All insurance products advertised on (the “Site”) are underwritten by insurance carriers that have partnered with , LLC. , LLC may receive compensation from an insurer or other intermediary in connection with your engagement with the website and/or the sale of insurance to you. All decisions regarding any insurance products, including approval for coverage, premium, commissions and fees, will be made solely by the insurer underwriting the insurance under the insurer’s then-current criteria. All insurance products are governed by the terms, conditions, limitations and exclusions set forth in the applicable insurance policy. Please see a copy of your policy for the full terms, conditions and exclusions. Any information on the Site does not in any way alter, supplement, or amend the terms, conditions, limitations or exclusions of the applicable insurance policy and is intended only as a brief summary of such insurance product. Policy obligations are the sole responsibility of the issuing insurance carrier. , LLC, is a licensed insurance.

Ethos Life Insurance Ratings

Ethos Life Insurance Ratings, Inc.) is a holding company of PNWIC Insurance Company, Dallas, TX and its subsidiary, PinnacleQuote Insurance Services, Inc. In this article we take a quick look at S&P Life Insurance Company and their parent company, Independent Life Insurance company, Independent Life, Inc.— a subsidiary created in 1947. Independent Life is a wholly owned subsidiary of Independent Insurance Company, but they offer insurance products to a broader audience than Independent Insurance. This is primarily for our purposes at the moment. With so little information, there are a few companies that are best placed to help you in determining your insurance needs. We work with a multitude of leading companies for insurance providers, such as Independent Life, Independent Insurance Company, Independent Life, Inc. and Independent Insurance Company. So why wouldn’t you, and how can we help you? Independent insurance company makes it clear that, since they are independent, they are happy to offer insurance you can trust through independent agents! We work with a.

Ethos Life Insurance Review: Summary

Ethos Life Insurance Review: Summary of Articles and information on the New York Life Insurance Company’s insurance products, policy form, form adheres to the New York Life Insurance Company’s financial guidelines, financial rating and claims handling. View a complete list of . View full New York Life Insurance company annuity brochures and plan information in our New York Life Insurance policy brochure. New York Life is a life insurance company in operation in New York state. New York Life is a national life insurance company and pays out claims and has a life insurance company website. New York Life has an online life insurance quote tool. You can use the quote tool to pay your bills, get an online copy of any policy, request an in-person look at a policy, and compare the coverage between different policy options. New York Life doesn’t advertise its products on its website as of January 4, 2014. The magazine, published by Progressive and Allstate in 2010, publishes articles on lifestyle and financial.

Who Is Ethos Life Insurance?

Who Is Ethos Life Insurance? How can you save money on a life insurance policy? You can purchase a life insurance policy online by providing your information (buy number), and you go to a company or company that is underwriting your policy. If you want to make sure you are not overpaying, then an online life insurance company you compare offers more financial help than just a basic annual policy. In general, you will find a list of companies that will offer some of the benefits below. In general, an online life insurance company will want to make sure those are the top candidates. While there are other companies that are also offered, you should compare your options so you have the best quote. If you want to get the most economical plan, then you will need to pay on a monthly basis so you can have your coverage in force. While an online life insurance company offers the financial resources you need in the event of your death, they will use the available statistics to try and generate more sales when this option is used..

Applying for Life Insurance

Applying for Life Insurance, Part I: Life Insurance Application, Part II: Life Insurance Application, Part III: Life Insurance Application… Continue reading → If you’ve already applied for life insurance, or if you think you can’t get a replacement policy, let . While the underwriting process may be a little complex in many cases – there’s a lot of information you’ll have to deal with – the information that’s out of your control. There is a lot of life insurance application information out there. This information often comes from a person that has applied for insurance. In many cases, the underwriting process is very extensive, and you can’t get a generic answer from these people. You can usually just ask the insurance company to supply enough information, as they will be able to give you a personalized recommendation. You’ll want to also ask about any medical conditions you might be asked to go through. These are just a few things you.

Coverage Options with Ethos Life Insurance

Coverage Options with Ethos Life Insurance Here is a brief overview of the pros and cons of Ethos Life Insurance. Ethos life insurance is a unique life insurance provider because it provides a long-term care benefit. If you don’t receive a benefit, then it will simply pay out a lump sum to your beneficiaries when you die. However, if you become disabled, then you will have to pay money in place to keep your disability covered. It’s always a good idea to consider the pros and con of having an insurance provider on your side. Below you will find descriptions of pros and cons of the company, as well as some of the pros and cons of Ethos Life Insurance and how you can get more information based on your background. Ethos Life Insurance Co. has been in business since 1958, and is owned by an insurance company. Their other line of insurance products is available in the form of term life, universal life, and whole life. Their policies were written by members of such organizations as.

Ethos Life Insurance Review // Fast Life Insurance In 2020!

Ethos Life Insurance Review // Fast Life Insurance In 2020! I am looking for low cost term life insurance and the great thing about it is you will always be covered for only a certain amount of time and have a death benefit of only your income that you will not be making any money off of. There is always a place for your dollar amount of insurance premiums, but you should know you will end up paying that amount of money to insurance providers and not all their clients. You can use a savings tool, even a loan, to save money for a long term longer term to make ends meet if you want to purchase coverage longer than that term life plan. I don’t know that you would be able to buy a term life insurance on yourself for any of the questions I will ask. Is it cheaper? It depends on your situation. You may find a lower cost with a term life insurance with a much longer term. The great question is: do life insurance rates go down with age? The short answer, really. I’ll be.

Ethos Life Insurance Products: Term Life Insurance

Ethos Life Insurance Products: Term Life Insurance in California (no coupon), Whole Life Insurance in California (purchase protection) and Universal Life Insurance (convertible premium) in many countries to Universal Life Insurance (universal, elective and variable). The California Life Insurance company also offers: The California Life Insurance Company of the Year, the California Life Insurance company of the Year, the California Life Insurance Companies Assoc. of the Year, and the California Life Assoc. (ALAM) Life Insurance Company of the Year. Life Insurance was purchased by Cali in 2004 as Cigna. It is now part of A&R Global. On the company website, Cigna is listed as a life insurance company with two kinds of life insurance policies: term and permanent. It is for those reasons that the company does not offer a discount for . Cali provides their term life insurance life insurance plan, Cali Term Life and A&R Global Life insurance plan. Cali Life Insurance Company of California sells both term and permanent life.

Is Ethos Life Insurance For You?

Is Ethos Life Insurance For You? What Are Their Pros and Cons? How Can I Find Goodness?! By Understanding Your Policy Our First Step is to Find out what is an Ethos life insurance policy on a life insurance policy. We can help you do all this work. Find out what is a life insurance policy on a life insurance policy. Get started with an agent and see what life insurance coverage is available. Call them to speak with a life insurance agent. Subscribe to receive email (at) anytime at any time about life insurance. I started with Life Insurance Company of the Southwest (Linaigho). I purchased a home and began to build something with my dream plan in mind. Life Insurance Company of the Southwest was founded. I have worked my whole life at it. I knew I wanted to be paid and paid a very low amount in life insurance. My insurance premiums went from $125,000 up to $500.

Cons to Ethos Life Insurance

Cons to Ethos Life Insurance to save, it’s vital that you take the time to research the company, their policies, how long the policies are in effect, and their financial stability before renewing your policy. To date, there are several top rated and reviewed life insurance companies offering their services including, , , , and . As an independent life insurance provider, the company takes the place of agents. Unlike other life insurance websites, The First Life Financial website uses the same logo, and you can use your coverage as a “customer-friend”. The second screen appears to use a “credit quote” form, with similar options as The First Life Life Financial website. Here’s what you can do if you have questions about The First Life Financial service: You have several options in the life insurance market today–not all of them are the same with all the advantages and special features of The First Life Financial product that you’d like to see. There is no.

Digital Life Insurance Providers

Digital Life Insurance Providers by state, level of coverage, and more. When it comes to , it does not matter if you are looking for , , , or . It’s no secret that the best way to meet the financial obligations you are likely to have is to get life insurance. There are multiple types of affordable insurance policies, the type of coverage you want will depend on the provider that provides you the coverage. In most cases, these are , and the policy that you are considering will have these types of coverage. In most cases, you need to take advantage of multiple sources to ensure that you qualify for a policy with a suitable level of coverage. When your financial needs vary from the ones you have currently considered, it makes sense that you should get a policy that will fit your budget. In addition, there are situations where a policy that is designed for you should be purchased for . These are also ways that you can take the added risk of paying higher policy fees. There are a few types of permanent.

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